Below is a detailed analysis of the quarterly data for ESAF Small Finance Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
For Interest, as of Mar 2025, the value is 458.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 463.00 Cr. (Dec 2024) to 458.00 Cr., marking a decrease of 5.00 Cr..
For Expenses, as of Mar 2025, the value is 820.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 881.00 Cr. (Dec 2024) to 820.00 Cr., marking a decrease of 61.00 Cr..
For Other Income, as of Mar 2025, the value is 143.00 Cr.. The value appears strong and on an upward trend. It has increased from 112.00 Cr. (Dec 2024) to 143.00 Cr., marking an increase of 31.00 Cr..
For Depreciation, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
For Profit before tax, as of Mar 2025, the value is -241.00 Cr.. The value appears strong and on an upward trend. It has increased from -282.00 Cr. (Dec 2024) to -241.00 Cr., marking an increase of 41.00 Cr..
For Tax %, as of Mar 2025, the value is -24.00%. The value appears to be increasing, which may not be favorable. It has increased from -25.00% (Dec 2024) to -24.00%, marking an increase of 1.00%.
For Net Profit, as of Mar 2025, the value is -183.00 Cr.. The value appears strong and on an upward trend. It has increased from -211.00 Cr. (Dec 2024) to -183.00 Cr., marking an increase of 28.00 Cr..
For EPS in Rs, as of Mar 2025, the value is -3.55. The value appears strong and on an upward trend. It has increased from -4.09 (Dec 2024) to -3.55, marking an increase of 0.54.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
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Quarterly Chart
Profit & Loss - Annual Report
Last Updated: June 16, 2025, 1:32 pm
Metric
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Mar 2025
Revenue
29
597
1,032
1,413
1,641
1,940
2,854
3,818
3,862
Interest
16
315
458
621
720
793
1,017
1,449
1,811
Expenses
31
357
538
646
879
1,248
1,676
2,190
3,154
Financing Profit
-18
-75
35
146
43
-101
160
180
-1,102
Financing Margin %
-61%
-13%
3%
10%
3%
-5%
6%
5%
-29%
Other Income
19
102
109
133
127
208
288
442
409
Depreciation
0
0
17
23
29
33
42
51
0
Profit before tax
1
27
127
256
141
74
406
570
-693
Tax %
0%
0%
29%
26%
25%
26%
26%
25%
-25%
Net Profit
1
27
90
190
105
55
302
426
-521
EPS in Rs
0.03
0.87
2.11
4.45
2.34
1.22
6.73
8.27
-10.12
Dividend Payout %
0%
0%
0%
0%
0%
0%
0%
8%
0%
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Profit & Loss Yearly Chart
YoY Net Profit Growth
Year
2017-2018
2018-2019
2019-2020
2020-2021
2021-2022
2022-2023
2023-2024
2024-2025
YoY Net Profit Growth (%)
2600.00%
233.33%
111.11%
-44.74%
-47.62%
449.09%
41.06%
-222.30%
Change in YoY Net Profit Growth (%)
0.00%
-2366.67%
-122.22%
-155.85%
-2.88%
496.71%
-408.03%
-263.36%
ESAF Small Finance Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.
Growth
Compounded Sales Growth
10 Years:
%
5 Years:
22%
3 Years:
26%
TTM:
1%
Compounded Profit Growth
10 Years:
%
5 Years:
%
3 Years:
%
TTM:
-209%
Stock Price CAGR
10 Years:
%
5 Years:
%
3 Years:
%
1 Year:
-35%
Return on Equity
10 Years:
%
5 Years:
5%
3 Years:
5%
Last Year:
-21%
Last Updated: Unknown
No data available for the Balance Sheet data table.
After reviewing the key financial ratios for ESAF Small Finance Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
For Basic EPS (Rs.), as of Mar 25, the value is -10.13. This value is below the healthy minimum of 5. It has decreased from 8.96 (Mar 24) to -10.13, marking a decrease of 19.09.
For Diluted EPS (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 5. It has decreased from 8.94 (Mar 24) to -10.12, marking a decrease of 19.06.
For Cash EPS (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 3. It has decreased from 9.26 (Mar 24) to -10.12, marking a decrease of 19.38.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.81. It has decreased from 48.41 (Mar 24) to 37.81, marking a decrease of 10.60.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.81. It has decreased from 48.41 (Mar 24) to 37.81, marking a decrease of 10.60.
For Net Profit / Share (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 2. It has decreased from 8.27 (Mar 24) to -10.12, marking a decrease of 18.39.
For Net Profit Margin (%), as of Mar 25, the value is -13.49. This value is below the healthy minimum of 5. It has decreased from 11.14 (Mar 24) to -13.49, marking a decrease of 24.63.
For Return On Assets (%), as of Mar 25, the value is -1.91. This value is below the healthy minimum of 5. It has decreased from 1.63 (Mar 24) to -1.91, marking a decrease of 3.54.
For Retention Ratios (%), as of Mar 25, the value is 100.00. This value exceeds the healthy maximum of 70. There is no change compared to the previous period (Mar 24) which recorded 100.00.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
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Profitability Ratios (%)
Liquidity Ratios
Liquidity Ratios (%)
Interest Coverage Ratios (%)
Valuation Ratios
Fair Value
Fair Value of ESAF Small Finance Bank Ltd as of July 2, 2025 is: 96.47
Calculation basis:
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.
As of July 2, 2025, ESAF Small Finance Bank Ltd is Undervalued by 180.44% compared to the current share price 34.40
Default values used*: Default value of 15 for Stock P/E is used
Intrinsic Value of ESAF Small Finance Bank Ltd as of July 2, 2025 is: 57.36
Calculation basis:
Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.
This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.
As of July 2, 2025, ESAF Small Finance Bank Ltd is Undervalued by 66.74% compared to the current share price 34.40
Default values used*: Default value of 15 for Stock P/E is used
Last 5 Year EPS CAGR: -40.54%
*Investments are subject to market risks
Strength and Weakness
Unable to fetch valid data for stock valuation.
Stock Analysis
Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in ESAF Small Finance Bank Ltd:
Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
ROE%: 0% (Industry Average ROE: 20.9%)
ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
Stock P/E: 0 (Industry average Stock P/E: 0)
Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
Total Debt / Equity: 0
Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions. Stock Rating:
About the Company - Qualitative Analysis
ESAF Small Finance Bank Ltd. is a Public Limited Listed company incorporated on 05/05/2016 and has its registered office in the State of Kerala, India. Company's Corporate Identification Number(CIN) is U65990KL2016PLC045669 and registration number is 045669. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 3818.43 Cr. and Equity Capital is Rs. 514.78 Cr. for the Year ended 31/03/2024.
INDUSTRY
ADDRESS
CONTACT
Finance - Banks - Private Sector
Building No.VII/83/8, Thrissur/Trichur Kerala 680651
FAQ: Stock data is invalid or not in the correct format.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in ESAF Small Finance Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
